The 3 Months to Choose Your Health Insurance - 2026 Guide
Strict deadline: 3 months. Discover how to choose LAMal quickly and avoid automatic assignment.
The 3 Months to Choose Your Insurance: Don't Miss This Deadline
"I have 3 months, I'll see later." Julie, new to Zurich, postponed her choice of health insurance. Day 91: letter from the canton. She was assigned to Helsana, deductible CHF 300, standard model. Premium: CHF 580/month. She could have had Assura, deductible CHF 2,500 at CHF 320/month. Difference: CHF 3,120/year lost.
The 3 months pass quickly when you settle in. This guide helps you choose quickly without error.
Your Timeline
Day 1: Registration at the residents' registration office = start of countdown Day 90: Deadline Day 91+: Canton assigns insurer (expensive)
Marc did it right: week 2, comparison on Priminfo.ch (30 min), subscription to Assura online (15 min). Done.
How to Choose Quickly
- Go to Priminfo.ch
- Enter canton + age
- Choose deductible CHF 2,500 if young/healthy or CHF 300 if regular care
- Sort by increasing price
- Top 3: Assura, Supra, Sanitas generally
- Subscribe online (15 min)
Total: 45 minutes to save CHF 2,000-3,000/year.
Key Points
You have exactly 3 months after registration at the residents' registration office to choose LAMal. Exceeding the deadline = canton automatically assigns insurer (often more expensive CHF 200-300/month). Use Priminfo.ch to compare and subscribe quickly—45-minute total process saves CHF 2,000-3,000/year.
Resources
- Priminfo.ch - Official comparator
- Comparis - Independent comparator
Related Articles
Swiss Health Insurance - Complete guide Moving to Switzerland - Complete timeline
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